Lincoln County, MS
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 31.54, -90.45.
Assembled 2026-10-06. Read the brief.
- 24th pct · 2,314th of 3,063 US counties · median $234,566
- 69th pct · 25th of 80 Mississippi counties · median $151,974
- 30th pct · 2,141st of 3,063 US counties · median +2.9%
- 44th pct · 45th of 80 Mississippi counties · median +1.3%
- US counties: not published this period
- Mississippi counties: not published this period
- 60th pct · 1,269th of 3,221 US counties · median 8,232
- 72nd pct · 23rd of 82 Mississippi counties · median 6,322
- 18th pct · 2,634th of 3,221 US counties · median $1,039
- 46th pct · 44th of 82 Mississippi counties · median $903
- 36th pct · 1,941st of 3,063 US counties · median 4.3
- 67th pct · 27th of 80 Mississippi counties · median 3.3
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $172,076 (Aug 2026), +1.1% over one year, +1.2% over five
- 24th pct · 2,314th of 3,063 US counties · median $234,566
- 69th pct · 25th of 80 Mississippi counties · median $151,974
| Item | Value | Distance |
|---|---|---|
| Lincoln County, MS | $172,076 · +1.1% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Mississippi counties: not published this period
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $942 a month on $172,076 at 7.28%, against an average weekly wage worth $3,878 a month: 24.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $172,076 × 80% = $137,661, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $942/mo principal and interest
- wage share = payment / (avg weekly wage $895 × 52 / 12 = $3,878) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $172,076 / ($895 × 52) = 3.7
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
12,640 jobs at 873 employers (2026 Q1); +1.0% jobs and +1.9% average weekly wage over the year
- 60th pct · 1,269th of 3,221 US counties · median 8,232
- 72nd pct · 23rd of 82 Mississippi counties · median 6,322
| Item | Value | Distance |
|---|---|---|
| Lincoln County, MS | 12,640 jobs · $895/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,190 | $944 | 1.15 | +7.6% |
| Retail trade | 1,939 | $699 | 1.57 | -3.6% |
| Accommodation and food services | 1,308 | $326 | 1.15 | +3.6% |
| Transportation and warehousing | 1,288 | $1,222 | 2.42 | +7.5% |
| Manufacturing | 1,103 | $1,050 | 1.08 | -3.7% |
| Wholesale trade | 716 | $1,371 | 1.48 | -9.3% |
| Construction | 600 | $1,075 | 0.91 | -1.8% |
| Other services | 341 | $859 | 0.90 | -0.3% |
| Agriculture, forestry, fishing | 292 | $967 | 3.20 | +2.5% |
| Finance and insurance | 287 | $1,416 | 0.56 | +12.1% |
| Administrative and waste services | 236 | $777 | 0.33 | -6.0% |
| Professional and technical services | 224 | $871 | 0.26 | +7.2% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
D1 moderate drought
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
17 gauges · 0 flooding · 1 with quality panels averaging 100 % · 3 stale
Sites found: 17, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| HOMOCHITTO RIVER AT EDDICETON, MS | flow 45.1 ft³/s | 31 km |
| PEARL RIVER NR MONTICELLO, MS | flow 546.0 ft³/s | 35 km |
| PEARL RIVER AT ROCKPORT, MS | flow 548.0 ft³/s · quality 100 % (1) | 41 km |
| BOGUE CHITTO NR TYLERTOWN, MS | flow 247.0 ft³/s | 43 km |
| WHITESAND CREEK NR OAKVALE, MS | flow 96.0 ft³/s · STALE | 46 km |
| STRONG RIVER NR ROCKPORT, MS. | stage 3.43 ft | 49 km |
| PEARL RIVER NEAR HOPEWELL, MS | flow 270.0 ft³/s | 53 km |
| TANGIPAHOA RIVER AT OSYKA, MS | flow 133.0 ft³/s | 58 km |
| LITTLE CREEK NR FAYETTE, MS | flow 1,640 ft³/s · STALE | 60 km |
| STRONG RIVER AT ROBERT BUSH RD NR PINOLA, MS | flow 67.0 ft³/s | 62 km |
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
3 wells in 0 named aquifers:
Sites found: 3, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-311453090271302 | depth 233.9 ft · 1993-09-29 | 32 km |
| USGS-314247091034201 | depth 122.6 ft · 1963-09-15 | 61 km |
| USGS-315718090591501 | depth 100.1 ft · 1963-09-15 | 69 km |
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$1.0 bn in deposits at 13 offices of 9 banks (SOD June 2026); HHI 2,106, highly concentrated. $15.7 m federal obligations in FY2026 (grants $13.6 m, contracts $2.1 m), $1,241 per covered job
| Item | Value | Distance |
|---|---|---|
| Trustmark Bank | $318.7 m · 31.1% share · 3 offices | |
| Bank of Brookhaven | $229.5 m · 22.4% share · 1 office | |
| BankPlus | $228.0 m · 22.2% share · 2 offices | |
| Lincoln, MS | $15.7 m FY2026 · $1,241/job | |
| MULTIPLE RECIPIENTS | $201.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Trustmark Bank | $318,691,000 | 31.1% | 3 |
| Bank of Brookhaven | $229,511,000 | 22.4% | 1 |
| BankPlus | $227,982,000 | 22.2% | 2 |
| Bank of Franklin | $74,503,000 | 7.3% | 1 |
| Pike National Bank | $69,748,000 | 6.8% | 1 |
| First Bank | $52,322,000 | 5.1% | 2 |
| Regions Bank | $46,517,000 | 4.5% | 1 |
| Woodforest National Bank | $5,853,000 | 0.6% | 1 |
| United Mississippi Bank | $494,000 | 0.0% | 1 |
Deposit concentration is 2,106 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 31.1² + 22.4² + 22.2² + … (6 more) = 2,106
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $182,172,970 |
| Department of Veterans Affairs | $16,590,984 |
| Department of Transportation | $12,003,861 |
| Railroad Retirement Board | $2,407,749 |
| Department of Housing and Urban Development | $2,387,511 |
| Department of Homeland Security | $1,368,125 |
| Department of Defense | $710,000 |
| Department of Agriculture | $560,610 |
| Federal Communications Commission | $485,853 |
| Department of Health and Human Services | $187,569 |
| Small Business Administration | $0 |
That is $1,241 per covered job, against 12,640 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $15.7 m / 12,640 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $1,241
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 12.28 | 2026-10-04 | -0.1% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.60 | 2026-10-05 | +0.1% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Lincoln County, MS: 5 findings, 2 at a watch level and 3 noted
watchLincoln County, MS' typical home value of $172,076 scores 24 on the 0-to-100 scale across US counties but 70 across Mississippi counties, a gap of 45 points.
Period 2026-08.Show the arithmetic
- 45 = |24 across US counties - 70 across Mississippi counties|
position among the entities that published this metric this period; not an official level
watchLincoln County, MS' years of wages of 3.7 scores 37 on the 0-to-100 scale across US counties but 67 across Mississippi counties, a gap of 30 points.
Period 2026-08.Show the arithmetic
- 30 = |37 across US counties - 67 across Mississippi counties|
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteLincoln County, MS' average weekly wage was 1.9% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +1.9 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteLincoln County, MS' covered employment was 1.0% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +1 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteThe next Zillow ZHVI typical home value (monthly) covering Lincoln County, MS is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.